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851 Durham Brown Rd, Seneca, SC, 29678

5beds
3baths
3,524sqft
$1,199,900
$340price/sqft
$7,352/moest. monthly cost
$294,080/yrincome needed

About This Home

Experience the best of lakefront living in this spacious 5-bedroom, 3-bath home situated on over an acre with a rare, gentle walk to the water. Designed for both comfort and convenience, the property features an oversized 1,300-square-foot 3-car attached garage, a walk-out basement, covered slip dock, deep water access, and a close Corps line. Ideally located just minutes from Clemson University, this home offers the perfect blend of privacy, recreation, and accessibility. Inside, you'll find stainless steel appliances, an LP gas range/oven, ceiling fans throughout the bedrooms, great room, recreation room, kitchen dining area, and outdoor deck, plus solid-core doors on all bedrooms and standalone bathrooms. The main level is served by an LP furnace and electric A/C, while the basement features an electric heat pump. Additional upgrades include a 500-gallon propane tank, LP tankless water heater with recirculation system, HVAC returns in all upstairs bedrooms, and jumpers in basement bedrooms for enhanced comfort. Laundry accommodations include an LP gas washer/dryer setup on the main level with an available electric dryer outlet, plus apartment-size electric washer and dryer units in the basement. Adding to the peaceful setting, the forested property directly across the street is owned by Clemson University, helping preserve the natural surroundings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
6/10
Seneca Middle SchoolGrades 6-86.1 mi
6/10
Seneca High SchoolGrades 9-127.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater,Oven/Range (Combo)
  • Laundry features: In Basement,Other,Upper Level

Basement

  • Has basement: Yes
  • Basement: Bath Finished,Exterior Entry,Finished,Full,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Double Vanity,Master On Main Level,Walk-In Closet(s)
  • Flooring: Other
  • Finished area below ground: 1,762
  • Finished area above ground: 1,762

Heating & Cooling

  • Heating features: Heat Pump,Propane
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 3,524
  • Total interior livable area: 3,524 sqft

Property

Details

  • Parcel number: 3030001007

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Dock
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Corps of Engineers Control,Deep Water Access,Dock Rights,Lake,Lake Privileges
  • Waterbody name: Lake Hartwell
  • Frontage type: Lakefront,Waterfront
  • Frontage length: Waterfront Footage: 133

Lot

  • Lot size: 1.11 Acres
  • Features: Level

Parking

  • Parking features: Attached,Garage,Side/Rear Entrance
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Ice Storm
Strong Wind
Tornado

FEMA Declared Disasters in Oconee County and South Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,067$72,804
Home Insurance *$568$6,816
Property Taxes $379$4,548
Electricity $338$4,066
Total$7,352$88,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,068/yr
40% on housing$220,560/yr
45% on housing$196,053/yr

South Carolina FAIR Plan Programs

South Carolina Wind and Hail Underwriting Association

Covered
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 17.8%
17.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 29678$149
Oconee County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 29678$173
Oconee County$199

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-17Price change$1,199,900
2026-05-22Listed for sale$1,299,999
2018-08-23Sold$185,000

For Sale by Agent

AgentDavid R Williams
BrokerageLake Hartwell Properties Real Estate

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